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Thanks for stopping by. I hope you find the following insurance information useful. I’m an independent broker and principal of Thams Agency and my office provides services for many different types of insurance needs.

Many health care consumers are eager to learn more about health savings accounts (HSAs), which continue to generate buzz as a growing trend in health care coverage. You might think that a financial tool with this much potential is complex and difficult to understand, but HSAs are actually pretty straightforward. Here are ten reasons to […]

What is CAN-SPAM? The Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM Act or Act) sets the rules for commercial electronic communications in the United States. The CAN-SPAM Act establishes requirements for commercial messages, gives recipients the right to have businesses stop emailing them and spells out tough penalties for violators. […]

What is HIPAA? The Health Insurance Portability and Accountability Act of 1996 (HIPAA) is a federal law that sets rules about who can look at and receive your health information. This law protects your rights over your health information and when it can be shared. It also requires your doctors, pharmacists and other health care […]

Snapchat is one of the top five social media platforms among young people, with approximately 150 million daily active users. While Snapchat is designed to be a fun photo, video and text messaging app, a number of features—particularly the Snap Map function—pose serious safety concerns. What is Snap Map? Introduced in a June 2017 update, […]

What You Need To Know: House Passes Changes to Overtime Rules The House of Representatives recently passed the Working Families Flexibility Act (also known as H.R. 1180). If approved, H.R. 1180 would authorize private employers to offer compensatory time off instead of overtime pay for nonexempt employees who work more than 40 hours per week. […]

On May 4, 2017, members of the U.S. House of Representatives voted 217-213 to pass the American Health Care Act (AHCA), after it had been amended several times. The AHCA is the proposed legislation to repeal and replace the Affordable Care Act (ACA). The AHCA needed 216 votes to pass in the House. Ultimately, it […]